You scan your grocery loyalty app, grab your usual items, and head to checkout believing you scored the best deal. But another shopper standing a few feet away may be paying less for the exact same product. That growing gap is fueling concern about personalized pricing, a strategy that uses customer data, purchase history, and digital behavior to shape offers and discounts. Retailers say it creates more relevant savings, while critics argue it can quietly reward some shoppers and penalize others. As loyalty programs become more sophisticated, understanding how personalized pricing works matters more than ever.